Should I invest in SBI CONSUMPTION OPPORTUNITIES FUND?

We don't give personal investment advice. SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH is suitable for an investor whose:time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a lossrisk tolerance accepts seeing the portfolio fall sharply without panic-sellinggoal isn't capital preservation in the short termCross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 25.9%. 5-year CAGR: 13.77%.

SBI

SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH

Latest NAV

₹330.0190

As of

17 Jul 2026

3,336 NAV records on file

NAV history & peer comparison

All NAVs split-adjusted and normalised to 100 at the start of the selected period, so funds with very different absolute NAV scales can be compared on one axis.

Period

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Returns matrix

Fund return alongside the category average and peer rank for every standard window. Returns under one year are absolute; one year and longer are compound annualised (CAGR).

Window	Fund	Category avg	+/− vs avg	Rank	Quartile
1D	+0.34%	-0.05%	+0.39	72 / 258	Q2
1W	-0.19%	-0.18%	-0.01	140 / 258	Q3
2W	-1.15%	-0.17%	-0.98	238 / 259	Q4
1M	+0.79%	+1.63%	-0.84	187 / 259	Q3
3M	-1.02%	+4.83%	-5.85	237 / 259	Q4
6M	-2.85%	+4.61%	-7.46	223 / 250	Q4
YTD	-5.79%	+2.98%	-8.77	230 / 247	Q4
1Y	-8.29%	+5.46%	-13.74	225 / 235	Q4
2Y	-4.57%	+4.09%	-8.65	173 / 187	Q4
3Y	+8.11%	+15.93%	-7.82	136 / 148	Q4
4Y	+12.46%	+17.58%	-5.12	104 / 121	Q4
5Y	+13.77%	+13.72%	+0.05	61 / 110	Q3
7Y	+16.50%	+17.79%	-1.29	54 / 91	Q3
10Y	+14.30%	+14.89%	-0.60	47 / 76	Q3
Inception	+14.98%	+12.07%	+2.90	105 / 259	Q2

Quartile legend: Q1 top 25% Q2 25-50% Q3 50-75% Q4 bottom 25%

Calendar-year returns

Full-year performance vs category average. Current year is partial (year-to-date).

Year	Fund	Category avg	+/− vs avg	Rank
2026 YTD	-5.79%	+3.40%	-9.19	228 / 244
2025	-6.19%	+4.41%	-10.59	193 / 208
2024	+24.19%	+23.18%	+1.01	62 / 155
2023	+31.27%	+33.51%	-2.24	70 / 127
2022	+15.06%	+4.32%	+10.73	26 / 116
2021	+34.75%	+34.43%	+0.32	44 / 104
2020	+14.85%	+21.19%	-6.35	47 / 94
2019	+1.44%	+9.30%	-7.86	73 / 85
2018	-0.68%	-5.36%	+4.68	27 / 77
2017	+54.51%	+35.61%	+18.91	7 / 76
2016	+3.28%	+4.98%	-1.71	40 / 76

Rolling returns

Removes start-date bias by averaging CAGR over every overlapping N-year window in the fund's history. Higher average plus tight min/max plus high "% positive" = consistent.

1-Year rolling

+17.70%

153 windows

min -23.9% · max 74.2%

79% positive

3-Year rolling

+17.48%

129 windows

min -2.6% · max 37.2%

98% positive

5-Year rolling

+17.04%

104 windows

min 4.6% · max 31.1%

100% positive

7-Year rolling

+15.82%

80 windows

min 7.7% · max 21.3%

100% positive

SIP returns — historical "what if"

If you had invested every month in this fund over the chosen period, this is what your investment would be worth today.

Period

Total invested

₹ —

Today's value

₹ —

XIRR

Annualised

Wealth multiplier

Period	Total invested	Today's value	XIRR	Wealth multiplier

XIRR is the annualised internal rate of return on the SIP cash flow — invariant to the monthly amount. "Today's value" and "Total invested" scale linearly with the slider. Past performance does not guarantee future returns. Excludes exit load and taxes.

Risk profile

Risk-adjusted return and volatility, computed from monthly NAV returns over the trailing 3-year and 5-year windows.

Std deviation

14.53%

3-year · annualised

Sharpe ratio

0.17

vs risk-free 6.5%

Sortino ratio

0.25

Downside-only deviation

Max drawdown

-25.91%

Sep 2024 → Mar 2026

% positive months

58.3%

Share of monthly returns > 0 over the 3-year window

Sharpe / Sortino use a risk-free rate of 6.5% (1-year T-bill proxy). Higher Sharpe = more return per unit of total risk; higher Sortino = more return per unit of downside risk.

Peers in Sectoral/Thematic Fund

Scheme	Fund house	NAV	As of
HDFC Banking & Financial Services Fund - Growth Option - Direct Plan	HDFC	₹19.7420	17 Jul 2026
Nippon India Active Momentum Fund-Direct Plan - Growth Option	Nippon India	₹13.0154	17 Jul 2026
ICICI Prudential Active Momentum Fund - Direct Plan - Growth	ICICI Prudential	₹10.8700	17 Jul 2026
Invesco India Business Cycle Fund - Direct Plan - Growth	Invesco	₹14.5000	17 Jul 2026
Bandhan Business Cycle Fund - Direct Plan - Growth	Bandhan	₹10.1960	17 Jul 2026
quant BFSI Fund - Growth Option - Direct Plan	Quant	₹22.0723	17 Jul 2026
QUANTUM ESG BEST IN CLASS STRATEGY FUND - DIRECT PLAN - GROWTH OPTION	Quantum	₹24.7900	17 Jul 2026
Aditya Birla Sun Life Banking and Financial Services Fund - Direct Plan - Growth	Aditya Birla Sun Life	₹72.8200	17 Jul 2026
Motilal Oswal Active Momentum Fund- Direct-Growth	Motilal Oswal	₹13.5242	17 Jul 2026
Franklin India Multi-Factor Fund- Direct- Growth	Franklin India	₹9.6426	17 Jul 2026

Recent NAVs

Date	NAV
17 Jul 2026	₹330.0190
16 Jul 2026	₹328.8989
15 Jul 2026	₹329.5511
14 Jul 2026	₹327.6051
13 Jul 2026	₹329.9408
10 Jul 2026	₹330.6409
9 Jul 2026	₹329.9383
8 Jul 2026	₹327.6599
7 Jul 2026	₹334.9078
6 Jul 2026	₹335.8509

Frequently asked questions

These answers are generated from this fund's live metrics — NAV, returns, peer rank, drawdown, SIP backtest. Numbers refresh nightly after AMFI's NAV feed lands.

As of 17 Jul 2026, the NAV of SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH is ₹330.0190. It's a Sectoral/Thematic Fund from SBI, run as a Direct plan Growth option. NAVs update once per business day from the AMFI feed.

SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH has NAV history starting from 08 Jan 2013, a track record of about 13 years 6 months. That's enough history to evaluate the fund across one or two market cycles. Look at rolling returns rather than point-to-point to judge consistency.

SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH is managed by SBI. It's classified by AMFI under the 'Sectoral/Thematic Fund' SEBI category, which determines its peer set and tax treatment.

Over the trailing 1-year window, SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH has delivered a absolute return of -8.29% — -13.74 pp behind the Sectoral/Thematic Fund category average of 5.46%. The fund ranks #225 of 235 in its category — the bottom (Q4) quartile.

Over the trailing 3-year window, SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH has delivered a CAGR of 8.11% — -7.82 pp behind the Sectoral/Thematic Fund category average of 15.93%. The fund ranks #136 of 148 in its category — the bottom (Q4) quartile.

Over the trailing 5-year window, SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH has delivered a CAGR of 13.77% — +0.05 pp ahead of the Sectoral/Thematic Fund category average of 13.72%. The fund ranks #61 of 110 in its category — the third (Q3) quartile.

₹1 lakh invested in SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH exactly 10 years ago would be worth approximately ₹380,458 today — a multiplier of 3.80×, based on the 10-year CAGR of 14.30%. The category average over the same window would have grown ₹1 lakh to ₹400,745.

A ₹10,000 monthly SIP in SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH over the last 5 years — total invested ₹600,000 — would be worth ₹739,436 today. That's an XIRR (money-weighted annualised return) of 8.29%.

A ₹10,000 monthly SIP for 10 years in SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH = ₹1,200,000 invested. It would currently be worth ₹2,492,985 (multiplier 2.08×). XIRR: 14.00%. Long-horizon SIP results matter more than point-to-point returns because they smooth out entry timing.

On a 5-year basis, SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH ranks #61 out of 110 funds in the Sectoral/Thematic Fund category — that places it in the third quartile (Q3) — below the median. The category average return over the same window is 13.72%; this fund delivered 13.77%.

The worst peak-to-trough decline SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH has experienced over the last 5-year window is 25.91% — its NAV fell from a high on 26 Sep 2024 to a low on 23 Mar 2026. Drawdown is a useful gauge of how much short-term pain you'd have endured to capture the long-term return.

Across all 5-year rolling windows, SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH averaged 17.04% (best 31.11%, worst 4.55%). 100% of rolling windows ended positive. The 5-year Sharpe ratio is 0.50 — reasonable risk-adjusted performance.

In calendar year 2025, SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH returned -6.19% — lagging the Sectoral/Thematic Fund category average of 4.41% by 10.59 pp. It ranked #193 of 208 in its category that year.

SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH is classified as an Equity fund (at least 65% equity exposure). Tax rules (post Budget 2024): if you hold 12 months or more, gains are Long-Term and taxed at 12.5% on the amount exceeding ₹1.25 lakh per financial year. Held for under 12 months, gains are Short-Term and taxed at 20%. The ₹1.25 L exemption is per PAN per FY across all equity LTCG.

We don't give personal investment advice. SBI CONSUMPTION OPPORTUNITIES FUND - DIRECT PLAN - GROWTH is suitable for an investor whose:

time horizon is **5+ years** — equity funds can drop 30-50% in bad years; horizons under 5 years materially raise the risk of selling at a loss
risk tolerance accepts seeing the portfolio fall sharply without panic-selling
goal isn't capital preservation in the short term

Cross-check the numbers above against alternatives before deciding. Worst 5-year drawdown: 25.9%. 5-year CAGR: 13.77%.

Educational content only — not investment advice. Tax rules summarised above reflect Budget 2024; consult a qualified adviser before transacting.